question category: Debt Consolidation
My house has a 2 charges on the property
Can you help, I have a large joint debt that began in 2003 with my now ex husband - I have a charge on my home for the debt and have been paying £300 per month for almost 2 years - but my ex has paid little to nothing and now has gone bankrupt and the debt has become all mine - it started at £35k and is now in excess of £50k with interest being added at 6% which was set by the court.
My property is mortgaged and has £75,000 out standing - my property is worth about £145,000 and was looking at making an offer to the bank - and remortgaging my house but can i do this with a charge on the property??
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